Debit Card Debacle: Charged Over $300 on My Neighbor’s Plastic!

My long-time neighbor and friend Jane and I had just finished a golf lesson and headed to the nearby 19th hole for a pint. We paid our respective bills each sliding the waitress our same-bank debit cards. The next day, I handed the debit card to our garage guy to pay a $300 repair bill on our truck. Card slides, I sign, I stick in wallet. Next I met a niece and paid plastic for my $3.29 frozen coffee. Card slides, no pin/no sign, I stick in wallet.
Later that afternoon on a top secret beer run for my husband (he had just been alerted in an exclusive email that a select brand that had just come in at a local beer cave), I pulled out the card to make that purchase. Card slides, I put in pin—DENIED! The familiar lady behind the counter politely said, “Oops, it says the pin number doesn’t match.”
“Huh?” I went over four digits in my head. “It’s my card…” Then I looked at the slightly scratched name on the rejected card. Jane ______! Not Tanja!
“@#$!” Then out loud, “OMG! It’s my friend’s card!” Then, I when it dawned on me that I had just paid the $300 truck repair bill on HER CARD, I really let out an exasperated OMG!
The counter woman sort of laughed. I gained enough of my senses to write a check for the coveted, designer beer (good wifey), but I lost it in the car! What if my running Jane’s card to the tune of $300 plus dollars set off a chain of bounced withdrawals on her end? I knew there’d be a $29 penalty on each botched transaction! Ca-ching! Ca-ching! Ca-ching!
Stressed and more than a little embarrassed, I dialed Jane. She took the news with an initial “OMG!” Then her usual calm self, “It should be alright, I have enough in there.”
“Oh, Jane, I am so sorry! I will go straight to the bank and pull out the $310 and drive it right over to you!”
“Or you can just write me a check and I will cash it tomorrow,” she said.
I called my husband who was working an overtime shift. He just laughed at first, but then,”Did you get the beer?” Man!
I drove down the street to the now-closed bank and actually walked half way up the sidewalk to the ATM before I realized, I can’t pull the money out! I don’t have MY ATM card, Jane has it!
By the end of the day, we were able to reimburse Jane the truck repair and coffee in cold, hard cash. She and her husband were very good natured about it. Lesson learned. Check to make sure YOUR name is on YOUR card before running it all over the place! Do you have a similar story?
<a href=”http://

” target=”_blank”>Money

Thankful on Three Year Anniversary of Husband Surviving Broken Neck

Today, (June 10th) I humbly and gratefully observe the three year anniversary of our horrific motorcycle accident where my husband Sean broke his neck in five places.  I firmly believe God sent immediate help and spared us from long-term injury, paralysis and even death! Here are two previous posts explaining what happened and why I say Thank You, God!  God sent help Man’s Craving for a Beer Saved My Husband’s Life

Click here to hear Sean’s theme song by Chumbawamba

Sometimes, All I Need is My DQ: What is it that You Need?

As a rule, I am not a brand maven preferring names like Campbell’s over store brand labels for soups, or Birds Eye over Stop & Shop brand for string beans. I am, however, an absolute snob when it comes to soft serve chocolate-dipped-in-chocolate cones. There is positively NO substitute for Dairy Queen. I should know. I had my fill working at a DQ in my late teens and have sampled hundreds of poor substitutes elsewhere in my life ever since. Though the menu of treats at today’s DQ has ballooned since the early 80s, I find myself going back to my tried and true treat.

There is just no better food (except perhaps peanut M&Ms) than a DQ chocolate-dipped-in-chocolate. It’s perfect hard shell is unmatched in taste, texture, and chippity-crunch. I may be giving away a trade secret, but if memory serves, there is just a hint of wax—yes, wax in the dip. I’ve read the back of the can and though may have been a little startled at first, it never kept me away from my devotion to DQ dip.

Since I’ve not found its equal, I won’t bother make any comparison with far trailing runners up here. Beneath the signature DQ curl, which only true DQ employees can make because of specific, franchise ingredients and top-secret training, is the softest, perfectly blended cool chocolaty, creamy sweetness. So what if it’s not actually ice cream? Who cares if it comes from a mysterious plastic bag and flows through a Wonka-esque machine with a huge shaft thingy, gears and oh-rings? Whatever is in it and however it gets from liquid to lusciousness in my wafer cone is absolutely no-never-mind to me.

I admit I can get a little moony when I settle in to nibbling deftly to avoid dripping and to make sure I get every lick. Cool, silky smoothness floods my every taste bud with unrelenting creamy chocolate, stealing my breath away. My eyes glaze over in pure ecstasy and I’ve been known to coo softly.

On occasion, a line from The Hollie’s song overtakes me,  “Sometimes, I all I need is the air that I breathe…and my DQ.”

What’s your treat you just can’t do without?

Click on this for some Hollies:

50 Things I’ve Come To Know in 50 Years

Fifty things I know as I turn fifty today, 2/25/15:

1. I am loved

2. I believe in a merciful God

3. I feel the power and presence of Jesus in my daily walk

4. I have come a long, long way in my healing

5. I am so much more centered than in my 30s and 40s

6. I have been forgiven

7. I have forgiven

8. I still need to forgive

9. I know the answer is always “no” if you don’t ask

10. I have confidence to speak up and am learning when it is better to just keep quiet

11. I have learned not to waste my time with negative people

12.  I need to give negative people and situations over to God to protect myself… from myself

13. I am still deeply in love with the man I met and married

14. I am blessed to have been able to balance work and spend so much time with my children as they were growing up

15. I am probably always going to be my current size and weight and have embraced it

16. Walking is my best defense to maintain #15

17. Dairy Queen chocolate dipped in chocolate cones are the best treat on Earth

18. One of the best places in the Universe is in the arms of my husband

19. Cuddling on the couch often beats going out

20. Laughing my head off with good friends is one of my very favorite pastimes and something I need to do so much more of

21. Encouraging people brings me joy

22. Sometimes I just have to write (ugly journaling) or I will lose my mind

23. Creative writing is like free-falling and eating a chocolate dipped in chocolate

24. It is important to celebrate my heritage, all sides

25. It is important to honor friends and relatives—living and passed

26. Having reunions—especially with live music—is restorative on many levels

27. I know that I am letting go more, prioritizing what or who is important

28. Moderation in everything makes everything more enjoyable

29. I don’t need to drink to have a blast

30. I never need to over-drink ever again

31. Sipping from a small glass of irish whiskey on the rocks that we brought home from Ireland is exquisite

32. I am supported by good women friends

33. I have been blessed with particular women prayer warriors who hold me up, and I them

34. I love to pray for people

35. I rejoice in answered prayers or blatant or subtle evidence of God’s hand in  situations

36. I love God as my Heavenly parent and finally feel I can climb on His lap and have him stroke my hair

37. I am excited for today

38. I am excited for my future

39. I am grateful

40. I know it is important to carve out trips for my husband and I to take now

41. I am humbled that America is not the center of the Universe

42. I love finding and playing records and jamming on my air guitar

43. It is important to keep learning

44. It is important to take up a new sport or hobby (golf!)

45. I want to write to raise people up, show love, praise God

46. I love my humble, 70s raised ranch

47. I like my funky green Fiesta that gets 40 MPG

48. I love making chocolate chip cookies for people

49. I like where I am at age 50

50. I am not afraid

Enjoy “Wild Wild Life” by The Talking Heads  

“I’m wearin’ Fur pyjamas

I ride a Hot Potata’
It’s tickling my fancy…

“Buddy Jesus” Meme Gets Personal

Just for fun this weekend, I searched my name in meme using Google Image and my oddly spelled T-A-N-J-A. I thought “Tanja with a “J” would never come up. Lo, I found this among other “Tanja” memes, a good number in German. At first glance I thought this rather duded-out rendition of Jesus could be a bit irreverent, but I have come to know that divine messages are delivered in all shapes and forms.

My husband who is far hipper on-line than me is well-versed in memes and explained that this is the “Buddy Jesus” meme. I realize that someone  generated this meme for another “Tanja” somewhere out there, but since we share the same spelling, I hope she won’t mind if I claim this meme as a personalized message for me today.  It rather reflects on my current faith journey status: I am seeing Jesus not only my Savior, but as “my bud” who gets my back as a Heavenly bro. God uses the world wide web as well as burning bushes to get our attention. Can a I get a witness?

Can You Be Trusted? On Your Honor In the Ring

Can you imagine in this day of passwords, locks, and alarms to protect our most precious valuables, lifesavers (literally) like this one on the remote Ring of Kerry stay posted, unguarded? Talk about the “the honor system”! We saw a few of them on the western part of our recent trip in Ireland. They were not in plain sight, but around corners at the bottom of steep cobblestone and patch-work accesses of small beaches or old, hazardous boat launches. All the easier to snatch off the post and pop into one’s car if one was so inclined.
Yet the well-chosen, philosophical and theological one-liner, “A Stolen Ringbuoy— a Stolen Life” appealed straight to one’s conscience. Would you dare remove the buoy for any other reason than, God-forbid, its intended purpose to save someone drowning in the nearby sea? Would you dare risk eternal consequences?
I know I wouldn’t, but then I had a cynical thought. What if a person was so full of wickedness or didn’t believe in eternal consequences? What if they didn’t care about their fellow human being? Could they be so caviler to vandalize? Remove the ring and toss it into some ditch?
Then I scanned the tawny, brush-topped cliffs sloping into the foaming surf, hemmed in by the mystical turquoise sea. Behind me were the endless rolling verdant hills dotted with sheep, rocks and old church foundations. How could one not feel closer to Heaven, or at least an unwavering, deep and reverent calm? An unquestioning obedience to that sign?
Cliffs and sea on the Ring of Kerry Cliffs and sea on the Ring of Kerry

It isn’t often you witness “the honor system” today. I did notice an unmanned stand at Dublin airport that allowed you to take liter of water trusting you’d toss one euro into a box. Come to think of it, two years ago at a national campground in New Hampshire we were on our honor to deposit the right fee in the tube as we exited. What other “honor system” situations are out there? Please share.

Boo to The Who! They Blew Us Off: But We’ve Met Other Stars Along Our Way!

What happened to the fecking Who? The iconic rock band, launching their 50th Anniversary tour blew off Ireland! They were supposed to play in Belfast and last night here (26 Nov.) in Dublin, but we learned a few days ago they cancelled both shows for "logistical difficulties"! What? Apparently they had an unexpected? offer to play in Abu Dhabi on the 23rd and are claiming they couldn’t get to
Ireland? The UAE is not THAT faraway from Ireland, guys! I am thinking they got a better deal to party with the royalty and to heck with Ireland! Was there no way for them in this day and age to get back in time for “our” Nov. 26th show here in Dublin? Yes, I know this is such a first world rant but bear with me a bit.

Back in July Sean noticed The Who would be playing in Dublin at the beginning of their 50th anniversary tour in November. He asked if I wanted to go. I eagerly said yes knowing that he LOVES Ireland and The Who! Both in one place would be mind-blowing! But more that that, I was all for him going to one of his happiest of happy places—Ireland—to “get off grid” from his many stresses in the States.

We weren’t fully thinking in July that we’d be away for Thanksgiving so he bought The Who tickets that day. That kinda made us pregnant to take the trip!

I had a few misgivings about missing Thanksgiving, but also relished the idea of taking a break from 15 years in a row of hosting at our house. I’d miss our kids the most–and watching the parade in the morning, but our grown-up kids encouraged us to fly!

Even though we didn’t get to see The Who on this trip, we’ve had a great experiences already and have been privileged to meet some great people along the way–rock stars in their own right! Take a bow Brian and Helen, funky, classy hardworking hosts of the luxurious but comfortable Castlewood House B&B out in Dingle.

Thank you, thank you! to the very encouraging and hip Father David Gunn for welcoming us to your parish home at Port Magee for the tea and allowing us to pour over pages of hundred year old handwritten marriage and baptismal records as we trace more of Sean’s Irish heritage in the Ring of Kerry! We were welcomed right into the house and life “don’t mind the toys!” of a very cool cousin Sheila who introduced us to her wee ones, Shoon,3, Seamus,2. She made a phone call for Sean to see his cousins Mary and Tessie Cremens who lived up the road and across the street.

We were reunited with Tomas who spoils us at Kate Kearney’s Cottage in Killarney and now has his own photography business. It was so good to see John and Nora in at their lovely Ferris Wheel B&B at the Gap of Dunloe. We spoke at length to a very decent and bright woman at a woolen shop in Cashel— (Knitted) Hats off to Inga!

We anticipate meeting a few more “celebrities” as we spend the next few days here. Tonight, about the time you all back home will be enjoying your beautiful turkey dinners, (we’re 5 hours ahead), Sean and I will be taking a Literary Pub Crawl learning where Irish writers—Yeats, Joyce, Wilde, etc. hung out to discuss life, politics, their stories, and where they put down a few pints. Who knows who else we’ll encounter? Sean met Conan O’Brien on Grafton Street in 2012!

Happy Thanksgiving to our American family and friends. And Thank You, friends and relatives we’ve met on this trip! God Bless, Salente, Cheers!

Finding Evidence There’s Still Hope for The World

After ranting about mating macaroni boxes and x-rated jean commercials last week, my hope for the world has been restored a bit.
I see that Hasbro, the toy company giant, has decided to help Operation game creator John Spinello’s meet some of his post medical expenses. Spinello, who invented Operation in 1964 and sold the rights for only $500, didn’t have the means to pay for oral surgery he needs that will cost $25,000. Hasbro has offered to buy Spinello’s prototype of the popular game for their toy museum. What’s really touching is that even before Hasbro stepped up, friends and fans set up a page on crowdrise and have amassed over $25,000 for Spinello!

McDonalds is working on a “Love Beats Hatin'” tag line in addition to their “I’m Lovin’It” campaign. I think it is a thought-provoking idea, even if some consumers think it’s lame.

Yesterday I saw a Jeep with a bright, yellow, happy face hippy on the wheel cover as we drove down the highway. It made me grin. Might we have more mirth as motorists if we saw more smiley faces and uplifting bumper stickers on our daily commute? What’s the best bumper sticker you’ve ever seen?

What have you heard lately that makes you think, “Hey, humankind is alright after all”? Just this morning something on the radio made me well up in gratitude. A DJ broadcasting from northern California on K-LOVE, a national Christian radio station with millions of listeners nationwide, said she had just driven past a police memorial set up for a fallen officer. With heartfelt reverence, she expressed her condolences and then her appreciation “for all police officers and sheriffs out there.” She acknowledged how they put their lives on the line everyday for all of us. “Because of you, we can go about our lives feeling safer, in comfort.” K-LOVE is praying for law enforcement officers, she said.

Thank you, sister DJ at K-LOVE for lifting up our men and women in blue. Policemen or women (and their loved ones) needed to hear your words today. Their calling/career can seem thankless, dangerous and overly criticized.

Shameless plug: To get a steady stream of “Positive and Encouraging” music and messages 24-7, you can tune in to K-LOVE in Connecticut at 106.9 FM or anywhere on-line.

Please share the good stuff you’ve witnessed in the world this week, or lately. As Toby Mac says in his song here, Speak Life.

Mac’n’Cheese Porn : Nevermind Jeans, Now Even Comfort Foods Are Sexed Up!

Sex in advertising is nothing new, but macaroni and cheese porn? Yesterday, midday, I looked up from reading as my husband was flipping between a race and football. There, dancing to Give a Little Bit (Shame on you, Supertramp!) were two, ah, well, amorous?? boxes of macaroni and cheese coming on to each other! Unbelievably, they slid in behind a toaster where we are to believe they are, ah, “making more pasta”…and four little containers of mac and cheese come pitter-pattering out after them!
Really? Do advertisers have to sex up everything? Not even comfort food is safe!
I hate to list the brand name of this company, and ones like it because it only does what they want. Push their brand and sell their products.
At risk of doing so, I have to rant about a leading jean company that goes WAY beyond imagination and decency in selling their red-tag-on-the-pocket jeans. The unconscionable company’s “Live in *****’s,Just Don’t Bore Them” campaign, does anything but bore. It makes me abhor the company. I happened to catch a lascivious ad recently. In a swift but indelible scene,a twenties-something man steps back from a woman who is bent backwards over a kitchen counter. He hoists up his jeans suggesting he’s been caught in the act or just finished with her.
Nothing left to the imagination. How do we explain something like this to young children? How do we protect our youth from what is broadcast as the norm? I was grateful that I was not watching with young children, teens, or really anyone besides my husband. I feel the same way as One Million Moms director Monica Cole in her post Levi’s Makes One Million Moms Mad With This Commercial.Check it out. What do you think? Is it OK, humorous, or inappropriate that we are subjected, (in some cases barraged by) overtly suggestive and sexual advertisements?

Politically Incorrect Girl Scout Songs of the 70s: Did We Have A Clue?

In 1975, I was ten and had no clue of what I was singing. Some of the songs we sang around the old campfire in Girl Scouts back then would get you burned, or maybe even a lawsuit today! Consider these lyrics: “Big red indian, beats upon his drum, rum tum-tum, rum, tum-tum. Woo-Woo-Woo!” There was an obnoxious hand gesture of hitting your lips in a war cry on the woo-woos!

Another song, which I didn’t get at the time, was about a man named Ruffus Rassius Johnston Brown not paying his rent on time. Another one that I thought was so funny was about Fried Ham, Fried Ham, Cheese and Baloney. Each of the four verses was sung in different ethnically-slurred accents! Gads!

The topper had to be “Just plant a watermelon right on my grave and let the juice slip through…Now Southern fried chicken might taste mighty fine, but nothin’ tastes better than a watermelon rind..”

A sign of the times. Don’t make it right.

I don’t mean to pick on the Girl Scouts. In fact, some of my best childhood memories are from Camp Higganumpus, a Girl Scout camp in Higganum.

We kids picked up politically insensitive lyrics on our transistor radios. At recess, we’d march across the playground belting out, “Half Breed” by Cher at the top of our prepubescent lungs.

It was around this time, thank goodness, of the advent of Archie Bunker and All In the Family. The creators did us a favor by holding up a mirror. Each episode was blaring hyperbole of how small-minded and racist we could be.

Do you remember thinking your older relatives “were just like Archie Bunker”?

There was still some of it going on in the 80s, though. Recall the movie Sixteen Candles by John Hughes starring Molly Ringwald? Whenever the international student staying at the main character’s house appeared in a scene, a gong would sound punctuating his obvious Asian background.

So what is my point? As decades are unfolding now, just rounding my fifth one, I have to believe we are a little less coarse and more sensitive as a society today. I am pretty sure the Girl Scouts of 2014 would only allow sanctioned ditties that are 100% PC as a matter of good conscience, and not fear of litigation.

What do you think? Are we politically correct enough today? Do you think we’ve gone overboard and are too overly PC?